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They can't sue you for a debt accrued by someone other than you, certainly not debt accrued through identity theft. Be sure that you've filed a police report with the agency that has jurisdiction over your home address. Then file with the Federal Trade Commission (877-438-4338). Keep copies of the full reports and send copies of the reports to the credit card company along with am ID Theft affidavit, obtained from FTC or your local PD. Once you've done this (if you haven't already) the credit card company is obligated to investigate the matter within (I think) 30 days. If they can prove the debt is yours, they can proceed with the lawsuit. But the burden is theirs to prove the case. Do everything you can to protect yourself by filing reports, filling out an affidavit and gathering any evidence you can that shows you're not responsible for the charges.

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โˆ™ 2006-04-04 11:28:51
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Q: What happens in a case of debt collected by identity theft and the credit card company is suing you for the debt?
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Related questions

Can you sue a company for taking your credit card without verifying your identity?


Can a a credit company file the same account twice on your credit report?

It happens and can be disputed. Call you credit card company or credit agencies.

How do you get identity theft protection?

There is a company called 'Lifelock' which is an identity protection company. If you are not willing to spend that much money the best way to make sure your identity isn't being used by someone else is to check your credit score frequently and make sure there are no 'mysterious' credit cards or accounts that have opened.

What services can a person get from Experian?

Experian is a credit reporting and credit scoring company. You can get your credit score and report as well as monitoring, credit file disclosure, and identity theft protection.

Reporting Fraudulent use of Credit Card?

You need to report the situation to your credit card company, who will work with the authorities on returning your stolen identity.

What services does equifax have?

Equifax is a company that allows one to figure their credit report and credit score for cheap prices. It also helps to monitor a credit score and protects identity.

How can one report identity theft of credit cards?

To report identity theft of credit cards you should do it as soon as you possibly can. First inform the company who you have your credit card with as well as your bank and loan companies. You should also inform your local police department.

What credit card companies offer identity monitoring?

There are a number of credit card companies that offer identity monitoring. Citi credit cards offer identity monitoring as do Capital One credit cards.

Whom do I contact if I suspect credit card identity theft?

The first thing you need to do is to contact the credit card company. After that, notify the authorities. Good luck!

Are credit card generators a scam?

Yes, credit card generators are a scam. To obtain a legitimate credit card, one must contact a credit card company. Attempting to create a fake identity is also illegal.

What should you do if someone tries to apply for a card in your name?

Notify the credit card company and the credit bureaus and the police immediately. Someone is attempting steal your identity. The District Attorney for your county will have an identity theft unit that is there just for these things, call them.

If you did not pay your credit card what happens?

the credit card company sends people to get their money i would want to pay them.

What is protection company monitors your credit card activity and protects you SSN?

LifeLock is an ID protection company that monitors your credit card activity and protects your SSN. If you have had your identity compromised then the credit bureaus can offer you a limited, free service through them for one year.

What is the key consideration for success in the management of accounts receivable?

The key is the number of days in which the credit is collected by the company. Bad debt percentage alone is not the ultimate measure, it is a combination of different credit control percentages along with the time within which debts are collected that matter.

What happens if the credit card company won't except a settlement?

Whatcanidoifacreditorwontexcept my settlementandsuesme

What happens to credit card upon death in regards to the heirs?

The credit card should be returned to the credit card company or destroyed and the company should be notified immediately of the death so the account can be closed.

What happens if one of your credit cards is sold or transferred to another credit card company?

you are still liable to pay what you owe

What happens if credit card dues are not paid n credit card company sues you?

they will take your money and repossess your belongings

There maybe Fraud or Identity theft involved and you do not have the Credit Cards or the Statements Need company addresses and telephone numbers?

Search the internet for the company. Most credit card companies have address and telephone numbers for their fraud departments on-line.

What happens if you lose credit card?

Cancel it. Identity Theft is very common nowadays. The chances of someone finding it and using it are high.

What type of services does the Life Lock company offer?

LifeLock is an American company based in Tempe, Arizona, who offer protection against identity theft. Their protection system can detect fraudulent applications for both credit and non-credit services.

Which financial options are offered by Privacy Guard company?

PrivacyGuard offer their customers financial information such as one's credit score and credit report. The also offer identity theft protection to their members.

What happens when the credit card on file with a company you owe money to is invalid?

They say that I am in contract to pay for everything. They have my credit card and that's it. What can happen if the credit card on file is invalid?

What is a balance transfer credit card?

A credit card balance transfer happens when on person opens a new credit account in a different company and use it to pay off the debt in his or her old credit card.

How does identity theft affect your credit?

Identity theft can have a seriously negative impact on your credit. When thieves steal your identity, they are likely to try to open a new line of credit in your name. If they succeed, they can make purchases with that card, and you will be responsible for the charges. Even if you dispute the charges, the unpaid bills will be reflected in your credit report. Unfortunately, cleaning up a credit report after an incident of identity theft can be a long and costly process.